Risk management banking

Contact a Treasury Management Officer

Protect your business from the numerous forms of fraud

Conducting business these days, particularly international transactions, carries a level of uncertainty—and risk. Mitigating that risk, while maintaining compliance, is crucial to your success. Fifth Third Bank has developed comprehensive financial risk management services that can help protect the processes that are vital to your operation, so you can focus on growing your business.

Explore our risk management services

Positive Pay Services

Fifth Third Positive Pay Services can help protect you against paper check and Automated Clearing House (ACH) fraud. For checks, our technologically advanced methods will compare check-paid items against issue information to identify discrepancies and ensure that only the checks you issue are paid. Our ACH Positive Pay authorization services provide you with the ability to determine who has access to your account and to what dollar limit they may post transactions against your funds. You can also choose the positive pay option that suits your needs:

Payee Name Verification—Helps you mitigate risk because we know exactly what your check information and the payee information should look like

Reverse Positive Pay—Lets you maintain your own list of issued checks and maintain control over check returns

Teller-maintained Positive Pay—Authorizes tellers at branches to turn away depositors based on verification information you provide

Account Reconciliation (Cash Concentration)

With Fifth Third reconciling your accounts, you can depend on getting fast, accurate information—all with a minimum risk of fraud. In conjunction with Fifth Third Bank’s Cash Concentration services, you’ll have:

Help mitigating idle funds at outlying bank branches

Increased availability of working capital liquidity

Improved cash flow information and control

Additional capacity from systematically sweeping balances to a master account

With Fifth Third DirectSM you can manage all of your accounts, organize cash, payables, and receivables, and produce reports—all from a single location. You’ll have access to up-to-the-minute information that will allow you to:

Access an integrated payments platform—Manage, monitor, and report on payments, as well as initiate ACH transactions, wire transfers, account transfers, and more

Control exceptions to help reduce fraud—Decide on positive pay exception items, view information on returned deposits, and originate stop payments

Manage working capital—View opening, closing, and interim balances; determine your cash position; and make decisions on investments and transfers

We’re constantly on guard, protecting your financial data

Fifth Third Bank’s ongoing commitment to advances in technology means you can count on the latest security and encryption technologies to protect your financial data. We continue to improve and transform our platform to respond to today’s challenges—and ensure that you have the tools you need mitigate risks.

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Capital Markets Bi-Weekly Newsletter

A bi-weekly newsletter that provides an overview of key trends and market conditions in the capital markets in which Fifth Third is active and engaged to help you better evaluate and manage the market risks that affect your business.

Capital Markets Industry Spotlight

This quarterly newsletter includes market reports on various key industries highlighting recent transaction and market data as well as key industry trends and analysis.

Economic Beat

A weekly newsletter distributed in the format of a 3-5 minute video that provides the latest update and outlook on the economy from the perspective of Fifth Third Bank.

Fraud Focus

A monthly newsletter designed to provide you with details on current fraud related threats and recommendations for helping protect your business.

Treasury at a Glance

A quarterly newsletter features thought provoking articles, resources and tools to help you manage working capital.